Chase Sapphire Preferred® Credit Card
The Chase Sapphire Preferred® Card turns everyday spending into travel rewards with bonus points and premium protections.
By: Zienic
Massive Welcome Bonus
Earn a significant number of points after spending a certain amount in the first few months—ideal for jumpstarting your travel plans.
Elevated Travel & Dining Rewards
Receive higher point multipliers on travel and dining purchases, helping you accumulate rewards faster.
Comprehensive Travel Protections
Benefit from trip cancellation insurance, baggage delay insurance, and other travel-related coverages that give you peace of mind.
Flexible Points Redemption
Redeem points through Chase Ultimate Rewards® at an increased value or transfer them to top travel partners for maximum flexibility.
Why the Chase Sapphire Preferred® Credit Card Is a Must-Have
If you're passionate about travel and smart with your spending, the Chase Sapphire Preferred® Credit Card offers unparalleled value. One of the most impressive features is its generous welcome bonus, often exceeding 60,000 points, which translates to hundreds of dollars in travel when booked through Chase Ultimate Rewards®. With 2x points on travel and dining, this card is designed for those who frequently spend in these categories and want their purchases to work harder for them. Cardholders also benefit from various travel protections, including trip cancellation/interruption insurance and rental car coverage, making it a reliable companion during unpredictable trips. Additionally, the points flexibility—whether redeeming through Chase or transferring to partners like United, Hyatt, or Southwest—gives users control over how they maximize their rewards. The $95 annual fee is modest compared to the benefits offered, positioning the Chase Sapphire Preferred® as one of the most well-rounded travel cards available.
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What credit score do I need to qualify?
You’ll typically need a good to excellent credit score—around 700 or higher—for a strong chance of approval.
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Does the Chase Sapphire Preferred® charge foreign transaction fees?
No, the card does not charge foreign transaction fees, making it ideal for international travel.
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Can I transfer points to airline or hotel partners?
Yes, points can be transferred at a 1:1 ratio to over a dozen travel partners, including United, Southwest, and Hyatt.
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How long does it take to get approved?
Many applicants receive an approval decision instantly, but some may require additional review that can take up to 30 days.
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Is the annual fee worth it?
Yes, the $95 annual fee is easily offset by the welcome bonus, ongoing rewards, and travel protections offered by the card.
How to Apply for the Chase Sapphire Preferred® Credit Card
Applying for the Chase Sapphire Preferred® Credit Card is a straightforward process, but a few strategic steps can improve your approval odds. Start by visiting the official Chase website and navigating to the Sapphire Preferred® product page. There, you’ll find the most up-to-date welcome bonus offer and application button. Ensure you have a strong credit score—typically 700 or higher—to increase your chances of approval. Chase also applies the “5/24 rule,” which may deny applicants who’ve opened five or more credit cards within the last 24 months. Be prepared to provide your income, employment status, housing information, and other financial details during the application process. Once submitted, decisions are often rendered instantly, though some applications may require further review. If approved, you’ll receive your physical card within 7–10 business days. From there, activate the card and begin earning rewards on travel, dining, and other everyday purchases. It’s recommended to meet the minimum spending requirement early to secure the welcome bonus and start exploring redemption options through Chase Ultimate Rewards®.